Privacy Statement & Cookies Policy

1. DATA PROTECTION

We are committed to protecting and respecting your privacy in accordance with the current Data Protection Legislation (“Legislation”). This notice sets out the basis on which we will process any personal data that we collect from you, or that you provide to us. For the purposes of the Legislation, the Data Controller in relation to any personal data you supply to us will be the Group Company to whom you have provided your data. For a full list of our Group Companies, please see our Legal and Regulatory page

2. INFORMATION WE MAY COLLECT OR RECEIVE ABOUT YOU

We may collect and process personal data that you provide directly to us by filling in forms, via our website, over the phone or via mobile phone apps, or that we receive via third parties such as brokers and agents.

2.1 Sensitive (special) personal data (such as information relating to health or criminal convictions), may be required by us for the specific purposes of underwriting and fraud detection, or as part of the claims handling process. The provision of such data is conditional for us to be able to provide insurance or manage a claim and, whilst you can withdraw your consent for us to process such data, this may result in us not being able to continue cover, or to process any claims.

Where such data is provided to us, it will only be used for the specific purposes set out above, and will be treated securely and in line with this notice.

3. HOW WE USE YOUR INFORMATION

We may use the personal data we hold about you in the following ways:

The reason we use your data

Our legal basis for its use

For the purposes of providing insurance, handling claims and any other related purposes – this may include underwriting decisions made via automated means.

For the performance of the insurance contract between you and us.

For offering renewal, research or statistical purposes.

Our legitimate interests – for us to analyse historic activity, to improve our rating algorithms and to help predict future business impact. To further our commercial interests, to enhance our product offering and to develop new systems and processes.

To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.

Where you have provided consent

To administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes.

Our legitimate interests - for us to analyse activity and traffic and for testing, research, statistical and survey purposes.

To notify you about changes to our service.

Our legal and regulatory obligations.

To safeguard against fraud and money laundering.

Our legal and regulatory obligations.

To meet general legal or regulatory obligations

Our legal and regulatory obligations.

4. DISCLOSURE OF YOUR PERSONAL DATA

We may disclose your personal data to third parties involved in providing products or services to us, or to service providers who perform services on our behalf. These include:

Our group companies, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006;

Affinity partners;

Brokers, agents, third party administrators, reinsurers;

Other insurance intermediaries;

Insurance reference bureaus;

Credit agencies;

Medical service providers;

Fraud detection agencies;

Loss adjusters;

External law firms;

External Auditors;

Regulatory authorities; and

As may be required by law.

We may also disclose your personal information:

In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.

If any AmTrust company or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.

In order to enforce or apply our terms of use set out in the terms of use or terms and conditions page and other agreements; or to protect the rights, property, or safety of AmTrust, our customers, or others.

5. INTERNATIONAL TRANSFERS OF DATA

We may transfer your personal data to destinations outside the European Economic Area (“EEA”). Where we transfer your personal data outside of the EEA, we will ensure that it is treated securely, and in accordance with this privacy notice and the Legislation. We only transfer data to countries deemed as having adequate protection by the European Commission or, where there is no adequacy decision, we use the European Commission approved ‘Standard Contractual Clauses’ with such parties to protect the data. A copy of the ‘Standard Contractual Clauses’ can be obtained by writing to The Data Protection Officer, AmTrust International, Minster Court 2, London, EC3R 7BB.

6. YOUR RIGHTS

You have the right to:

Ask us not to process your data for marketing purposes.

See a copy of the personal information we hold about you.

Ask us to delete any of your personal data (subject to certain exemptions).

7. COOKIES

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. For example, we are interested in the number of visitors and the pages they visit; which pages are most and least popular. By applying what we learn about site visitor habits, we can adapt the content to try and make it more easily accessible, relevant and interesting to site visitors. In some cases, cookies are used to remember information about your visit to our site between visits. We may need to do this to improve your use of the web site, such as remembering any feature preferences. By continuing to browse the site, you are agreeing to our use of cookies.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive.

We use the following cookies:

Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.

Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

The cookies we use do NOT hold any personally identifiable data about you, such as:

Names

Phone Numbers

Email Addresses

Mailing Addresses

Bank Account Numbers

Credit Card Information

You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site. Please refer to your browser's 'help' facility on how to configure accepting cookies. For more information on cookies and deletion of cookies please visit: www.allaboutcookies.org/manage-cookies.

MARKETING

Where you have provided consent, we may share personal data that you provide to us within the AmTrust Group of Companies and with other companies that we establish commercial links with. They and we may contact you (by mail, e-mail, telephone, text, or other agreed means) in order to tell you about products, services or offers that we believe will be of interest to you, or to provide you with commercial updates. If you do not wish us to continue marketing to you, please let us know.

9. RETENTION

Your data will not be retained for longer than is necessary, and will be managed in accordance with our data retention policy. In most cases the retention period will be for a period of seven (7) years following the expiry of the insurance contract, or our business relationship with you, unless we are required to retain the data for a longer period due to business, legal or regulatory requirements. In any case, where data is retained we will endeavour to delete or to anonymise any personal elements, in order to maintain your privacy and security.

10. CHANGES TO OUR PRIVACY POLICY

We may revise the privacy policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make.